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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lexington, KY · FDIC certificate #58164
BANK OF LEXINGTON INC is an FDIC-insured institution based in Lexington, KY (FDIC certificate #58164). In its Q3 2026 Call Report it reported total assets of $433M, total deposits of $336M and net loans of $319M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF LEXINGTON INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $433M in Q3 2026 and were lowest at $399M in Q1 2026.
Total deposits were highest at $341M in Q1 2026 and lowest at $322M in Q2 2026.
Over the whole period total assets rose 8.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $433M | $336M | $319M | 1.18% | 10.94% | 3.77% |
| Q2 2026 | $411M | $322M | $321M | 1.21% | 11.07% | 3.87% |
| Q1 2026 | $399M | $341M | $313M | 1.38% | 12.62% | 4.04% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $54.5M | $50.7M | +$3.8M | +7.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $11.6M | $11.9M | -$330K | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.7M | $1.5M | +$163K | +10.5% |
| Net loans and leases (after allowance) | $319.6M | $311.7M | +$7.9M | +2.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.4M | $9.6M | -$126K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $14.0M | $14.0M | +$28K | +0.2% |
| Total assets | $410.8M | $399.4M | +$11.4M | +2.9% |
| Liabilities | ||||
| Total deposits | $322.2M | $341.3M | -$19.2M | -5.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $35.0M | $5.0M | +$30.0M | +600.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $8.7M | $8.8M | -$158K | -1.8% |
| Total liabilities | $365.8M | $355.2M | +$10.7M | +3.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | $0K | 0.0% |
| Surplus | $15.9M | $15.9M | $0K | 0.0% |
| Retained earnings | $28.8M | $27.9M | +$815K | +2.9% |
| Accumulated other comprehensive income | -$1.1M | -$1.1M | -$17K | -1.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $45.0M | $44.2M | +$798K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $42K | $0K | +$42K | n/a |
| Adjusted nonperforming assets | $42K | $0K | +$42K | n/a |
| Tangible equity plus allowance | $46.7M | $45.9M | +$825K | +1.8% |
| Texas ratio (gross) | 0.09% | 0.00% | +0.09 pts | See points |
| Texas ratio (adjusted) | 0.09% | 0.00% | +0.09 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.09% | 0.00% | +0.09 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.25% | 16.33% | -0.09 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.25% | 16.33% | -0.09 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.63% | 0.64% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.88% | 16.97% | -0.10 pts | See points |
| Tier 1 leverage (approximate) | 11.50% | 11.12% | +0.38 pts | See points |
| Construction and land loans to total capital | 68.33% | 66.33% | +2.01 pts | See points |
| Commercial real estate to total capital | 258.44% | 249.27% | +9.17 pts | See points |
| Dividend payout, year to date | 20.48% | 18.16% | +2.32 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.31% | -3.32% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $277.6M | $303.9M | -$26.3M | -8.6% |
| Non-core funding | $79.6M | $42.5M | +$37.1M | +87.3% |
| Loans to core deposits | 115.76% | 103.14% | +12.63 pts | See points |
| Loans to deposits | 99.74% | 91.81% | +7.93 pts | See points |
| Brokered deposits share of deposits | 6.71% | 5.39% | +1.33 pts | See points |
| Pledged securities share of securities | 17.33% | 47.97% | -30.64 pts | See points |
| Loans pledged, share of loans | 74.02% | 73.87% | +0.15 pts | See points |
| Volatile liabilities | $109.7M | $49.1M | +$60.6M | +123.5% |
| Earnings | ||||
| Earnings before provision, year to date | $3.2M | $1.8M | +$1.4M | +78.0% |
| Earnings before provision, single quarter | $1.4M | $1.8M | -$400K | -22.0% |
| Provision for credit losses, year to date | $15K | $0K | +$15K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.25% | 6.09% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.80% | 3.69% | +0.10 pts | See points |
| Total interest income to average assets | 5.46% | 5.28% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.36% | 0.39% | -0.03 pts | See points |
| Cost of savings and money market deposits | 2.76% | 2.84% | -0.08 pts | See points |
| Cost of time deposits | 3.76% | 3.52% | +0.24 pts | See points |
| Total interest expense to average assets | 1.96% | 1.59% | +0.37 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $433M | $336M | $319M | 1.18% | 10.94% | 3.77% |
| 2026-06-30 | $411M | $322M | $321M | 1.21% | 11.07% | 3.87% |
| 2026-03-31 | $399M | $341M | $313M | 1.38% | 12.62% | 4.04% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $385.7M | 0.32% | 56 | Continuing · +0.08 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.